Best Points Rewards Credit Cards

Apply online for the top points cards or dive deeper to write and read reviews: Updated January 2024

8 Cards in Total

Points credit cards are perfect for people who want the flexibility to redeem rewards for a variety of items even though studies show that the typical points earner ends up using them for travel. Nonetheless, having options is never a bad thing so if you're undecided as to whether you want a straight cash back card or being attached to a specific retailer/airline, a points based credit card program would make alot of sense. You will also notice that many of these programs, like airline and cash back cards, also come with sign-up bonuses.

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Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

20.24% - 27.24%

Annual Fee

$95

Recommend Credit Score

720 - 850

  • Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87-2.62 points on all other purchases, for every $1 you spend.
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
  • Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
  • Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
  • No foreign transaction fees.
  • Low $95 annual fee.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
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Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

22.49%-29.49%

Annual Fee

$550

Recommend Credit Score

720 - 850

This is a brilliant card for higher-end travelers, looking for perks to use while on vacation. One example is the 60,000 bonus points you will receive after you spend $4,000 in the first 3 months of owning the card. If you redeem through Chase Ultimate Rewards®, that translates to $900 towards your trip. You will also receive $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year, and your card will unlock access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select.

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Intro Purchase APR

0% for 15 months

Intro Transfer APR

0% for 15 months

Regular APR

18.74% - 28.74%

Annual Fee

$0

Recommend Credit Score

720 - 850

The only credit card on the market that automatically rounds up to the nearest 10 points on every purchase - with no cap. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 you spend per year and then 1X Points thereafter (1X ThankYou® Points on All Other Purchases). Receive 5 ThankYou® Points per $1 spent on hotels, car rentals and attractions booked on the Citi Travel℠ portal until June 30, 2024. Enjoy 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of opening your account (redeemable for $200 in gift cards at thankyou.com).

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Intro Purchase APR

0% intro APR for 12 months from account opening

Intro Transfer APR

N/A

Regular APR

20.24%, 25.24%, or 29.99%

Annual Fee

$0

Recommend Credit Score

720 - 850

  • Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Limited time offer: Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value.
  • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
  • $0 annual fee.
  • 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
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Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

21.49%-28.49%

Annual Fee

$95

Recommend Credit Score

720 - 850

A great travel card, with a range of points and benefits, and Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more. Earn 60,000 bonus points after you spend $4,000 in the first 3 months. If you then redeem these through Chase Ultimate Rewards®, you will receive 25% more value, with a redeemed value of $750. Enjoy 5X on travel purchased through Chase Ultimate Rewards®, Earn 3x points on dining at restaurants, including eligible delivery services, takeout and dining out., and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.

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Intro Purchase APR

0% for 12 months on Purchases

Intro Transfer APR

0% intro APR for 21 months on Balance Transfers

Regular APR

18.24% - 28.99%

Annual Fee

$0

Recommend Credit Score

720 - 850

Enjoy 0% APR on balance transfers for 21 months (starting with the date of first transfer), and 0% Intro APR for 12 months on purchases from the date you opened your account. This card will also allow you free access to your FICO® Score online, and get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more, via Citi Entertainment®.

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Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

21.24% - 29.24%

Annual Fee

$95

Recommend Credit Score

720 - 850

There is no expiration date and no limit to the amount of points you can earn with this card, and there are no foreign transaction fees on purchases. Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels, 3 Points per $1 spent at Restaurants and Supermarkets, and 1 Point per $1 spent on all other purchases. On top of this, receive 60,000 bonus ThankYou® Points (redeemable as $600 in gift cards or travel rewards at thankyou.com) after you spend $4,000 within the first 3 months of opening your account.

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Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

See Pay Over Time APR

Annual Fee

$250

The perfect card to earn everyday points and rewards, especially if you’re a fan of eating out. With this card, you will receive 60,000 Membership Rewards® points after $6,000 worth of eligible purchases within the first 6 months, 4X Membership Rewards® Points at Restaurants Worldwide (including takeout/delivery in the US), up to $120 per year in Uber Cash (not a statement credit) for eats or rides if you use your card with your Uber account, and up to $120 in Dining Credit at select restaurant chains including Grubhub, The Cheesecake Factory and Goldbelly (in the form of $10 monthly credits and enrollment is required). -- Terms Apply